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Zopa: Credit card reviews

View other Zopa products
4.86
Based on 44,353 reviews, last reviewed 20th Aug 2026
100% decrease in 5 star reviews
in the past 90 days
75% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

This is one of the reasons why I chose him. Compared with other banks' credit cards, there are very few credit cards without currency conversion fees at present! Reviewed on: 20th August 2026
HAIZHONG N's avatar
HAIZHONG N

Latest lowest rating:

1

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 2026
Sherlin's avatar
Sherlin
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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Zopa Credit card reviews (44353)

Great credit card

5
Zopa has a great app that makes everything so easy Reviewed on: 11th April 2023
Tabi Williams's avatar
Tabi Williams

Amazing Zopa

5
So reliable am smart way to spend & save at the same time easy to use the app will always recommend to my friends & family 100% safe Reviewed on: 11th April 2023
Gary Starkey 's avatar
Gary Starkey

Very reliable and efficient

5
Zopa is very good, has great customer service as well, no hidden fees, pure transparency. Love them Reviewed on: 11th April 2023
Tamara Ok's avatar
Tamara Ok

Incredible credit lenders

5
I always feel bad when my credit card application bounces back but for the first time I received a credit card with no hassle and easy to use apps and made me to build my credit score and increased my credit scores to the highest possible level Reviewed on: 11th April 2023
Dhanurdhar Gutta's avatar
Dhanurdhar Gutta

Great company

5
Reliable, helpful and effective. They are there when you need them most. I will recommend anyone in need of financial help to them. Reviewed on: 11th April 2023
Christopher Uba 's avatar
Christopher Uba

easy payments

5
easy transactions unlike others who ask for a minimum then u over your credit Reviewed on: 11th April 2023
Lee Williams's avatar
Lee Williams

Great credit card

5
I've had this credit card awhile now and it's so easy to check on your spending with the online app, easy to make payments and customer service is great and they get back to you quickly if you have a problem Reviewed on: 11th April 2023
Anthea Chapman's avatar
Anthea Chapman

Trust

5
I was in a iva for no fault of mine . After 5 years of not being able to get any kind of finance zopa helped me . I don't actually need any help but it's always good to have a back up and they trust me to pay anything back that I have had and that goes a long long way 10/10 for Zopa Reviewed on: 11th April 2023
Andrew Payton's avatar
Andrew Payton

Great service always

5
I have been with Zopa for a year now , no complaints ! Reviewed on: 11th April 2023
ebony sturdy's avatar
ebony sturdy

Thanks

5
After coming out of a 5year IVA I needed to start building my score again. Main stream lenders wouldn’t touch me, understandably but Zopa did! Helped with rebuilding my score for future years. Easy application and easy to see app Reviewed on: 11th April 2023
Helen's avatar
Helen

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